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  1. Pre-existing Medical Conditions
  2. Suicide or attempted suicide, intentional self-injury
  3. By the effect or influence of alcohol or drugs
  4. Directly or indirectly by AIDS or ARC and HIV related diseases
  5. Pregnancy, childbirth (including surgical delivery), abortion, miscarriage and its related complications except miscarriage due to bodily injury as a direct result of an Accident.
  6. Travelling on, or against medical advice. For the purpose of obtaining treatment and medical check-up.
  7. Physiological or psychosomatic disorders.
  8. Engaging in sports or games in a professional capacity
  9. Dangerous and adventure activities eg. racing, motor rallies and competitions, mountaineering, rock climbing, and hiking/trekking, pot-holing, parachuting, sky diving, high diving and hot air balloon.
  10. Air travel other than as a fare-paying passenger on a regular scheduled airline or licensed chartered aircraft.
  11. Related to any illegal activities
  12. Loss or damage to hired or leased equipment; testing of any kind of conveyance
  13. Employment on oversea in connection with any trade, employment or profession
  14. Offshore activities like non recreations diving, oil-rigging, mining, aerial photography or handling of explosives
  15. Survey of offshore installations or facilities under construction including survey from aerial conveyance
  16. War, invasion, act of foreign enemy hostilities, civil war, rebellion, revolution, insurrection, strike, riot or civil commotion, terrorist
  17. Ionizing radiations or contamination by radioactivity, nuclear component
  18. Consequential loss or damage of any kind
  19. Your direct participation in terrorist acts